Insurance inspections · Homestead, FLYour insurer asked for an inspection. Here's what to do.
Most insurance letters ask for one or more of three reports: a 4-point, a wind mitigation and a roof certification. Send me the letter and I'll tell you exactly which ones you need. I can do all three in one visit.
- Reports
- 4-Point · Wind Mit · Roof
- On site
- About 90 minutes for all 3
- Report
- Same day or next morning
- Forms
- Current versions
The three insurance reports
-
Older homes4-Point inspection
Roof, electrical, plumbing and A/C. Citizens requires it on homes over 20 years old; many insurers ask at 25 to 30. More about 4-points
-
Saves moneyWind mitigation
Documents hurricane features that can lower the wind part of your premium. Good for 5 years. More about wind mits
-
Older roofsRoof certification
Proves an older roof still has useful life left. More about roof certs
Which ones do you need?
Use the 60-second insurance check on the homepage, or just text a photo of your insurance letter to (786) 566-8836. I'll tell you exactly which reports it's asking for, and I won't sell you one you don't need.
A quick rule of thumb: a home over 20 years old usually needs a 4-point, a roof over 15 years old may need a roof certification, and almost every home is worth a wind mit.
Got a deadline from your insurer?
Insurance letters usually give you 30 days or less. Call or text and tell me the date. Insurance inspections are short, and the reports go out the same day or by the next morning, so most deadlines are easy to make.
How to get ready
- Have your insurance letter handy (a photo of it is fine).
- Clear access to the attic, electrical panel, water heater and A/C.
- Unlock the garage.
Insurance Inspections questions
Can you send the reports straight to my insurance agent?
Yes. Give me your agent's email and I'll send them a copy along with yours.
Do I have to be home?
Someone 18 or older needs to let me in. You're welcome to walk around with me.
What if I only need one report?
That's fine. I'll only do what your insurer asked for.
¿Hablan español?
Sí. Hacemos las inspecciones de seguro y explicamos todo en español.
Tell me about the house. I'll take it from there.
Send the address and what you need. I'll text or call you back with a quote and the next open time.
Open 7 days, 8am–8pm. Se habla español.
Your Captain is one call away.
Open 7 days, 8am to 8pm. Licensed Florida home inspector HI18810.